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Bankruptcy Requirements – Do You Meet Them?

March 11th, 2010

Before filing the requirements of the bankruptcy, you must know first where your debts belong because there are classified of requirements of each chapter in bankruptcy and with different occupation. Here are some requirements:

1. Know the new limits to of bankruptcy, filed when you are requesting the dissolution of all of your debts and the debts included in are limited to unsecured loans and credit cards.

2. Identify what income qualifiers pertain to bankruptcy. The court will request tour total income and total expenses; this is called a means test, and if it is determined that you can pay these debts without causing undue financial strain or hardship, the court will convert the different chapter filing.

3. Understand the requirements to the file and this kind bankruptcy involves paying back your debt over time, to file for chosen chapter you must meet certain requirements such as proof that your income exceeds your expenses, have both unsecured debts and secured debts.

4. Identify your responsibilities before filing for any form of bankruptcy; you must receive credit and debt counseling from a court-approved credit counseling agency within at least six months before you file your bankruptcy.

Here are some instructions in filing complete first a means test to demonstrate your eligibility for bankruptcy, there are separate forms for each chapter both available at the United States Department of Justice. File a petition for bankruptcy with the bankruptcy court in the area where you live, you will also be required to pay a case filing fee, an administrative fee and for the chapter only, a trustee surcharge, while court fees must normally be paid to the court clerk upon filing the court can grant permission for you to pay in installments. You can document your current financial status according to the requirements of the court, which will include schedules of assets and liabilities, current income and expenditures, executor contracts and unexpired leases and a statement of financial affairs. Also don’t forget to provide the court and assigned case trustee with a copy of your tax return for the most recent year, if you file during the process of declaring bankruptcy, you will also need documentation for that return. And last one fulfill the additional documentation requirements for debtors who have mostly consumer debt, you will need a certificate of credit counseling, evidence of payments from your employer for the 60 days preceding your filing. Records for any education or tuition accounts and any anticipated increase in income or expenses.

Face your financial difficulties head on and take the first step to sorting them out by talking to a bankruptcy attorney at http://www.bankruptcyassistancenow.com/

Article Source: http://EzineArticles.com/?expert=Nazimabee_Woozeer

What is Product Liability?

March 7th, 2010

Product liability refers to an area of law that involves an injury as a result of the use of a product. When someone uses any kind of product that turns out to be defective and becomes injured because of it, that person can file a lawsuit against those who made the product.

Those who are liable or responsible for the injury would be the defendants in the lawsuit brought by the injured party. The responsible parties could be the manufacturer of the product and/or the manufacturer of parts that make up the product. Responsible parties could also include the store where the product was purchased or the wholesaler/distributor/supplier of the product. All of these potential responsible parties may be named in a product liability lawsuit.

A very high profile product liability case has been in the news regarding Toyota cars and defective accelerator and brake pedals. In Toyota’s case, the cars with the defect were recalled so that no one else could buy them and become injured as a result. This is common with widely distributed products that are found to be defective in some way. According to the U.S. Consumer Product Safety Commission, 200-300 products are recalled every year. The majority of these product recalls are children’s toys, clothes, etc.

A product’s defect may be a result of the design, the manufacturing, or even the marketing of a product. In the case of a design defect, it exists from the very beginning before the products were made in the factory. Manufacturing defects take place when the products are actually being produced. In that case, only some of the products may contain the defect, while a design defect will affect every one of the products that was released from the factory.

What about marketing defects? This occurs when a company fails to give consumers the proper instructions or warn them about the fact that the product could be dangerous if used in a certain way. This, of course, is the most difficult type of product liability case to prove.

Product liability cases are usually considered “strict liability.” This means that if the product is indeed found to be defective, the company that made the product is 100% liable for all injuries as a result of that defect. There are no degrees based on how hard they might have tried to avoid making a defective product. Manufacturers are required to make every effort to prevent these defects, and even suppliers and store owners are expected to exercise care in choosing the products they sell.

Do You Have a Product Liability Case?

If you believe you were injured as a result of a defective product, you will need a lawyer to handle your lawsuit. These cases can be very complicated and require an attorney experienced in product liability suits. Your attorney may determine that you have a good case against the maker or supplier of a defective product based on one of the following:

Negligence. This refers to a manufacturer’s failure to create a product that is safe. It may have occurred during the production of the product or earlier during the design of the product.

Breach of warranty. This refers to a company that fails to stick to its promises or claims related to a product it sells. If this failure causes injury to someone, that person may have a product liability case against the company.

Misrepresentation. This is where the marketing comes in. If the seller promotes the product in advertising or packaging in such a way that consumers are unaware of the dangers of using the product, the seller may be held liable for any injuries that result. In some cases, the seller is negligent in representing the product’s dangers, while in other cases, the seller intentionally misleads the consumer in the hope that more products will be purchased.

Makers of a product are expected to inspect and test their products throughout production, and they are expected to choose safe materials to construct their products. They are also expected to warn consumers appropriately if a product might be dangerous in some way that isn’t obvious. For example, if a portion of a product becomes hot, the maker needs to warn the consumer not to touch that area when the product is in use. Otherwise, the consumer could suffer a burn. This is why you often see warnings on products, product instructions, or packaging that may seem obvious to you, such as the warning to not put an electrical appliance in water. The manufacturers are trying to avoid injuries and the resulting lawsuits.

If a consumer uses a product inappropriately, however, and that misuse results in an injury, the manufacturer will not be liable for the injury. For example, if someone is injured while taking apart electrical equipment that is supposed to remain intact, the manufacturer cannot be held responsible for this. Another example of this is someone who drinks a product that has a label which clearly states that it shouldn’t be ingested. Of course, children’s products need to be extremely safe because children may inadvertently misuse a product.

A legal term called “causation” comes into play in product liability cases and can be very complicated. In order for you to obtain a settlement from a product manufacturer for your injuries, you must be able to prove that your injuries were caused by a defect in or of the product. Sometimes, the defect may be only partially responsible for your injuries or may have been an indirect cause of your injuries. If there was more than one cause of your injuries, it must be determined how much the product’s defect is responsible. Most importantly, it is your lawyer’s responsibility to prove that the product was defective when you purchased it.

Sometimes, a product liability case may involve lots of injured people. These are often called “class action” suits, and the plaintiffs are the many people who have been injured as a result of the defective product. Product liability claims may also include exposure to toxic chemicals or substances, such as asbestos.

Product liability laws are not nationwide but vary from state to state, and these laws can affect your lawsuit. They may restrict the amount of money you can receive in your settlement, as well as the amount of time you have to file a lawsuit after the injury has occurred. This is called the “statute of limitations,” so lawsuits should be filed as soon as possible to make sure that you don’t wait beyond the time the law allows.

For information on product liability lawyers & attorneys, visit the Philadelphia law firm website http://www.FeldmanShepherd.com

Article Source: http://EzineArticles.com/?expert=Chris_N._Jackson

Access to over 700,000 federal court decisions

May 20th, 2009

The Legal Education Commons has launched with open access to over 700,000 federal court decisions. The LEC is an “open, searchable collection of resources designed specifically for use in legal education.” It is made possible by a collaboration between the Center for Computer-Assisted Legal Instruction (CALI) and Harvard’s Berkman Center for Internet and Society. From the press release:

“All teachers of law have materials and notes they use in teaching,” says John Mayer, CALI Executive Director. “Many freely share their materials with colleagues, but there has never been a singular searchable, taggable space to serve that function for the entire legal academy,” he explains, “until now.”

While the LEC opens with an extensive collection of court cases and images, it can expand its collection of resources only through contributions and donations from the legal education community.

CALI implores faculty and staff at CALI member schools to share any files from personal collections that may facilitate learning amongst the legal education community. “Especially as we increasingly garner more participation and sharing from legal educators,” says Mr. Mayer, “the Legal Education Commons will be a great, non-commercial tool for those who are both teaching and learning the law.”

All material in the Legal Education Commons is licensed under the Creative Commons Attribution Share-alike license (CC BY-SA), making it interoperable with a great deal of other open educational resources.

This post is copyright CC.

What is Personal Injury?

May 2nd, 2009

According to Wikipedia Personal injury is, “a legal term for an injury to the body, mind or emotions, as opposed to an injury to property” (Wikipedia).

Some of the more common forms of personal injury include car accidents, injury at the workplace, accidents that include tripping or falling, or even injury from assault.  Other types of personal injury include accidents at home, injuries during vacation, and even injury from
defective products.

What to do if you are involved in a personal injury?

Contact a lawyer immediately who can help you to make the right decisions and defend your legal rights.

All the legal advice you’ll ever need

April 11th, 2009

Welcome to our first blog! All of us here at Attorney Proz are really excited about all of the new tips, advice, and other legal content we can bring to our loyal users. And best of all its 100% free. So make sure to come back and visit us again and again because you’ll never want to miss any of the great stuff were going to post.

So what can you expect to find?

Tips and Advice
Do you know what assault is? What do you do if you’re identity has been stolen? Is it legal to share the music you download from the internet with friends and family? Its our goal to answer questions like these… and more! Were gonna help you to understand everyday law and how it effects you.

Guest Bloggers
We will have various articles, interviews, and stories from lawyers and attorneys listed on our website. You’ll be able to learn the ins and outs of the law first hand from the attorneys who practice in those areas.

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And of course you’ll have one of the nations largest Attorney databases in the country at the tip of your fingers. Our listings are fortified with attorneys who have the strength and integrity to defend your legal rights.

So stay tuned! You never know whats gonna show up next!

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